USING YOUR HIGH DEDUCTIBLE HEALTH PLAN

& HSA

St. Croix Central School District

November 2014

TODAY WE WILL COVER:

• The Medical Plan Deductible Amounts

• What is an HSA and how is it used • How does the HSA work in

conjunction with my medical plan• How can I reduce medical expenses

and save money

MEDICAL PLAN DESIGN SUMMARY

WHAT IS AN HSA PLAN?

High deductible health insurance policy that covers large medical or hospital claims Investment or savings

account from which you can withdraw money tax-free for qualified medical

expenses

WHO IS ELIGIBLE FOR AN HSA?Any individual that:• Is covered by a high deductible health plan

(HDHP)• Is not covered by other health insurance,

unless it is a HDHP (includes traditional Flexible Spending Accounts and Health Reimbursements Accounts)

• Is not enrolled in Medicare or Tricare• Has not received VA non-preventive care

benefits in the last 3 months• Is not claimed as a dependent on someone

else’s tax return

SO HOW DOES THIS WORKWHEN I SEE MY DOCTOR?

• You see a physician or receive other professional services• You present your Medica ID Card to the provider• Provider bills Medica for the service• Medica applies the in-network discounts and applies the

allowed amount to your deductible• Medica sends you an Explanation of Benefits• Provider bills you for the service• You receive the EOB and bill for services• You confirm the “amount you owe” on the EOB matches the

provider bill• You pay your provider using your HSA Card, HSA Checks or

personal funds

SO HOW DOES THIS WORKWHEN I USE A PHARMACY?

• You visit a pharmacy to pick-up a prescription drug• You present your Medica ID Card to the pharmacist• Pharmacist runs the prescription through Medica and

applies the negotiated discounts to the price of your medication

• Medica applies the cost of the prescription to your deductible

• You pay for the prescription using your HSA Card, HSA Checks or personal funds

EXPLANATION OF BENEFITS

EXPLANATION OF BENEFITS

WHO CAN I CONTACT FOR HELP?1-800-952-3455

WWW.MEDICA.COM

Call if you have questions about:Medical Plan Coverage or ClaimDeductible or Out-of-Pocket balancesFinding a Doctor, Dentist or SpecialistHealth Plan Services

WHO CAN I CONTACT FOR HELP? ASSOCIATED BANK OR

WESTCONSIN CU

Call if you have questions about:Contributions to your HSA Reimbursements from your HSARequesting a HSA Bank Cards or checks

MANAGING HEALTH PLAN COSTS REQUIRES TEAMWORK

• Your claims create the premiums you pay

• Utilize tools available to be a good health care consumer

• Take advantage of wellness opportunities available (including the fitness club discounts!!)

MYMEDICA.COM

Pharmacy Resources Price a Medication

MAIN STREET MEDICA

Helps you compare:Costs for a variety of procedures and conditionsHospital quality ratings

Prescription costsChiropractic servicesEquipment & supplies

MAIN STREET MEDICACost estimates are based on Medica’s actual contracted rates

24 HOUR NURSE LINE

Your nurse is one call awayImmediate support for your health concerns Help in making decisions about your healthAvailable 24/7 Call 1.800.962.9497

to access a registered nurse

Chat live with a nurse online atmymedica.com

Health & Wellness

EMPLOYEE ASSISTANCE PROGRAM (EAP)Jump over life’s hurdles.

Start with one easy call to the Medica EAP – 24/7

Whatever your concern:Find a new day care for your childManage credit card debtResearch addiction support optionsLook for a family counselorDeal with grief

Call 1.800.626.7944 Tailored support when you need it – free & easy

Health & Wellness

HEALTH CLUB REIMBURSEMENT PROGRAM

240 Reasons to get fit withFit ChoicesSM by Medica

12 Visits per month

$20 Credit toward monthly dues

8K Health clubs to choose from (national and regional)

Health & Wellness

HEALTH CLUB REIMBURSEMENT PROGRAM

National facilities Regional facilities

Health & Wellness

THANK YOU FOR TEAMING UP WITHJA COUNTER AND

MEDICA!